CREDIT ACCEPTANCE CORP
CACCNasdaq
$640.00
↑ +0.4%Jul 17 close · end-of-day
Price
1Y↑ +27.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$7.0B
Enterprise Value
$7.0B
P/E
16.0
P/S
3.0
P/B
4.6
EV/EBITDA
—
PEG
—
FCF Yield
15.0%
Dividend Yield
—
Revenue (TTM)
$2.3B
Net Income (TTM)
$29.5M
Free Cash Flow (TTM)
$1.1B
Gross Margin
—
Operating Margin
—
Net Margin
1.3%
ROE
1.9%
ROIC
—
Debt / Equity
—
Net Cash
$25.7M
Return 1Y
+26.7%
Company profile
Credit Acceptance Corporation provides financing programs, related products and services to independent and franchised automobile dealers in the United States. The company advances money to dealers in exchange for the right to service the underlying consumer loans; and buys the consumer loans from the dealers and keeps various amounts collected from the consumers.
- CEO
- Kenneth S. Booth
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 2,250
- Headquarters
- Michigan
- Website
- creditacceptance.com
Management & directors
- Elliott Nicholas JChief Transformation Officer
- Kerber Erin JChief Legal Officer
- Lum JonathanChief Operating Officer
- Martin Jay DChief Financial Officer
- Schumann SteffenChief Business Officer
- Rummler Wendy AChief People Officer
- Valiyaveettil Ravi MohanChief Technology Officer
- Rostami Andrew KChief Mktg and Product Officer
- Booth KennethChief Executive Officer
- Smith Arthur LChief Analytics Officer
- Ulatowski Daniel A.Chief Sales Officer
- Hegde VinayakChief Executive Officer
Roles derived from SEC Form 4 filings.
Earnings
CACC Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$580.0M↑ +1.6%
Diluted EPS$12.40↑ +43.2%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $1.7B | $1.9B | $1.8B | $1.9B | $2.2B | $2.3B |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $421.0M | $958.30 | $535.80 | $286.10 | $247.90 | $423.90 |
| Diluted EPS | $23.47 | $59.52 | $39.32 | $21.99 | $19.88 | $36.38 |
| Operating cash flow | $985.2M | $1.1B | $1.2B | $1.2B | $1.1B | $1.1B |
| Free cash flow | $976.7M | $1.1B | $1.2B | $1.2B | $1.1B | $1.1B |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 25.2% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $538.2M | $550.3M | $565.9M | $571.1M | $583.8M | $582.4M | $579.9M | $580.0M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | -$47.1M | $78.8M | -$96.0M | $106.3M | $87.4M | $108.2M | -$301.9M | $135.8M |
| Diluted EPS | -$3.83 | $6.35 | $12.28 | $8.66 | $7.42 | $9.43 | $10.87 | $12.40 |
| Operating cash flow | $204.0M | $317.7M | $306.2M | $346.2M | $139.7M | $299.4M | $269.3M | $346.8M |
| Free cash flow | $203.6M | $317.3M | $305.5M | $345.9M | $139.4M | $298.8M | $268.9M | $345.5M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | -8.8% | 14.3% | -17.0% | 18.6% | 15.0% | 18.6% | -52.1% | 23.4% |
Company news
Jun 23, 2026
Jun 22, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-02 | Prescott General Partners LLC | J | 9,891 | $655.72 | $6.5M | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 1,503 | $649.38 | $976,018.14 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 1,203 | $650.66 | $782,743.98 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 1,130 | $648.32 | $732,601.60 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 1,037 | $651.80 | $675,916.60 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 869 | $654.76 | $568,986.44 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 813 | $664.11 | $539,921.43 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 819 | $653.79 | $535,454.01 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 689 | $653.08 | $449,972.12 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 562 | $651.94 | $366,390.28 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 503 | $663.28 | $333,629.84 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 447 | $650.92 | $290,961.24 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 413 | $649.76 | $268,350.88 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 181 | $661.67 | $119,762.27 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 184 | $646.77 | $119,005.68 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 175 | $657.11 | $114,994.25 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 156 | $659.02 | $102,807.12 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 102 | $652.70 | $66,575.40 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 81 | $665.28 | $53,887.68 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 80 | $666.22 | $53,297.60 | filing |
| 2026-07-02 | Watson Jill Foss | Sale | 53 | $648.68 | $34,380.04 | filing |
| 2026-06-26 | KERBER ERIN J· Chief Legal Officer | Option exercise | 3,303 | $454.11 | $1.5M | filing |
| 2026-06-26 | KERBER ERIN J· Chief Legal Officer | Option exercise | 2,417 | $333.94 | $807,132.98 | filing |
| 2026-06-26 | KERBER ERIN J· Chief Legal Officer | Sale | 1,269 | $628.93 | $798,112.17 | filing |
| 2026-06-26 | Elliott Nicholas J· Chief Transformation Officer | Option exercise | 2,306 | $333.94 | $770,065.64 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.